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How much you need to invest today for ₹1 crore
For ₹1 crore in 15 years at an assumed 12%
₹18.27 lakh
invested once, today, and left to compound.
By years and return
Compounded yearly: amount needed today = ₹1 crore ÷ (1 + return)years.
| Years | At 8% | At 10% | At 12% |
|---|---|---|---|
| 5 years | ₹68.06 lakh | ₹62.09 lakh | ₹56.74 lakh |
| 10 years | ₹46.32 lakh | ₹38.55 lakh | ₹32.2 lakh |
| 15 years | ₹31.52 lakh | ₹23.94 lakh | ₹18.27 lakh |
| 20 years | ₹21.45 lakh | ₹14.86 lakh | ₹10.37 lakh |
| 25 years | ₹14.6 lakh | ₹9.23 lakh | ₹5.88 lakh |
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Reading the table
Each extra five years roughly halves the amount needed at 12%, because money doubles about every six years at that rate. At 8%, the same five years cut it by about a third. The gap between the columns is the cost of a lower return over a long period.
If you have part of the amount now and can add monthly, use the lumpsum calculator for the one-time part and the SIP calculator for the rest.
Common questions
How much lumpsum is needed for ₹1 crore in 15 years?
At an assumed 12% a year, compounded yearly, about ₹18.27 lakh invested today.
How much lumpsum for ₹1 crore in 10 years?
About ₹32.2 lakh at 12%.
How much lumpsum for ₹1 crore in 20 years?
About ₹10.37 lakh at 12%.